What is a Public Adjuster?
A public adjuster is one of the only licensed professionals, besides attorneys; who can legally manage, negotiate, and handle insurance claims on behalf of a policyholder.
Their exclusive duty is to represent the interests of the insured, not the insurance company, throughout the claims process.
Unlike carrier adjusters, who are hired to protect the insurer’s financial position, a public adjuster is retained by the policyholder to ensure a full, fair, and accurate settlement based on the true scope of damage and the terms of the insurance policy.
Public adjusters are responsible for:
- Interpreting the insurance policy to determine applicable coverage. They are policy experts
- Conducting a detailed and independent inspection of the damage
- Preparing an itemized repair estimate using industry-standard software
- Ensuring all local building codes, safety requirements, and ordinance upgrades are included in the scope and cost of repairs
- Submitting comprehensive documentation and supporting evidence to the insurance carrier
- Handling all communications, follow-ups, and negotiations directly with the insurance company
- Maintaining detailed record of all claim actions
- Advocating for a full, fair and fact-based financial recovery without compromise
Public adjusters are particularly critical in large-loss or complex claims, where accuracy, compliance, and experienced oversight can significantly affect the outcome.
In essence, a public adjuster is your professional advocate licensed, impartial, and accountable who brings clarity, control, and expertise to the claims process.
Important Note on UPPA (Unauthorized Practice of Public Adjusting)
Under Missouri law, only licensed public adjusters or attorneys may negotiate, interpret, or act on behalf of a policyholder in matters involving an insurance claim. If a contractor, roofer, or restoration company is reviewing your coverage, speaking with your insurer, or trying to influence the settlement of your claim, they may be in violation of state law.
Per Missouri Revised Statutes § 375.1168(1)(c):
An individual shall not, directly or indirectly, act as a public adjuster or hold themselves out to be a public adjuster unless licensed in accordance with the provisions of this act.
If your contractor is “handling” or “negotiating” your insurance claim or with your carrier, they are engaging in the Unauthorized Practice of Public Adjusting (UPPA) a serious legal violation that can put your claim and financial recovery at risk.
Always ensure the person managing your insurance claim is properly licensed and legally authorized to act in your best interest.
No recovery, no fee!
Reach out for a claim review.
